Planning For
Tomorrow,
Authentically


WORKING WITH YOU TO SECURE YOUR FINANCIAL FUTURE

Financial planning is so often an overwhelming, time-consuming, and downright scary thing. So often you feel pressured into making decisions that will impact your financial wellbeing with limited amounts of knowledge, and complicated jargon-filled documents that are nearly impossible to understand.

At Rich Ideas, we feel it is essential to cut through all of that complexity by focusing on you and your unique needs. We also believe that if you do not understand something, then we must unpack it with you in such a way where you fully understand what solution is on offer. We want to make sure that the products we have on offer actually meet your needs and are never simply sold to you to make a profit.

Our clients are all over South Africa. We offer our coaching, advisory, and planning services, either in person or online. Our international clients are in Dubai, Canada, UK, Dublin, and Japan – we can work with you and assist no matter where you are.

Helping You PUt THe PIeces Together

We offer several great products from some of the best service providers in South Africa. The most important thing about what we do is that we are in no hurry to sign you up with a policy. We take time in figuring out precisely what you want to achieve and then match those needs to what we feel would benefit you the most.

  • What is it?
  • Your financial wellbeing ties in with all that you do. Having a financial coach, someone to turn to, to help you design your lifestyle with the means that you have available to ensure you can enjoy what you do and not worry about tomorrow.
  • Why would you need it?
  • The journey of coaching provides you with a plan, certainty, and clarity. It helps you plot where you are going, understand the obstacles ahead and how to deal with them to ensure you reach your financial goals.
  • What would occur if you did not have it?
  • It is our belief that you will never really know if you are on the right track, heading in the right direction and always wondering if what you do will help you reach those goals and dreams.
  • What sort of solutions do you make available?
  • We offer once-off coaching events, to help with specific queries or concerns all the way through to monthly interactions, planning, and accountability check-ins.
  • What is it?
  • A will is your most important financial planning document. It allows you to decide what happens to your wealth and assets.  Having a trust protects minors and spouses, could save on taxes and provides continuity.  Estate planning is what brings this all together.
  • Why would you need it?
  • So that you have a voice and can make decisions on what happens to your wealth, who looks after your children and protecting your loved ones.
  • What would occur if you did not have it?
  • Without this, the government would decide who gets your assets and in what percentage splits. It is a lengthy process which often means heirs lose out and children suffer.
  • What sort of solutions do you make available?
  • A complimentary consultation with our specialists provides you with an estate plan and a will as well as trust options to consider (when required).
  • What is it?
  • Investment growth is best enjoyed via delayed gratification coupled with a solid investment strategy to ensure your hard-earned money is placed in the best solutions to ensure your wealth grows.
  • Why would you need it?
  • Simply keeping your money in the bank does not grow wealth. Having various solutions to cater for your investment needs and goals ensures that they become a reality.
  • What would occur if you did not have it?
  • Sadly you will get progressively poorer and your money will never grow as hard as you work to earn it.
  • What sort of solutions do you make available?
  • There are dozens of products and thousands of funds, attempting this on your own is a minefield that should be avoided. Working with us to ensure you have a plan and strategy to reach your wealth creation goals is the smart choice.
  • What is it?
  • Illness, injury or disability could strike at any moment. This could severely impact your financial wellbeing, you might not be able to work and earn your income.  Your income is your most valuable asset after all. 
  • Why would you need it?
  • Without this cover, you could find yourself without any income but still with many living expenses (bond, rent, car payments, insurance, children’s needs, and family responsibilities). Let us take care of that worry for you by providing you an income either until you recover, retirement or for life.
  • What would occur if you did not have it?
  • You might become financially dependent on family or the state, you could suffer significant financial consequences as you no longer have an income to afford your lifestyle.
  • What sort of solutions do you make available?
  • There are solutions that cover your needs from day one, whether you can work or not, earn an income or not. It could be as simple as getting a note from your doctor, and we could replace your income.
  • What is it?
  • Cancer, Stroke, Heart Disease,  and Dementia does not not discriminate based on race, sex or age. These diseases or illnesses happen to those around us every single day and their occurrence is increasing daily.
  • Why would you need it?
  • Treatment to manage or cure these ailments is often very expensive and specialised. Without funding, how will you be able to get the best medical care available?
  • What would occur if you did not have it?
  • You might become reliant on state facilities or worse, no care at all. Don’t let this happen to you.
  • What sort of solutions do you make available?
  • Lump-sum cash payments to you can help with time off work, transport costs to medical facilities, shortfalls in your medical aid coverage and provide you with the lifeline you need to get the best care you can afford.
  • What is it?
  • Should you suffer a life-changing disability, such as the loss, or use of a limb how will it affect your employment, your earning ability, and the way you function on a day to day basis.
  • Why would you need it?
  • To help relieve some of the financial burden from lifestyle changes that would be required and to settle outstanding debts
  • What would occur if you did not have it?
  • You might have to install ramps in your home, aids to help you in the bathroom or modify your car. Without funds, how will you do that?
  • What sort of solutions do you make available?
  •  
  • These benefits vary widely in the market from basic coverage to comprehensive coverage, with various waiting periods or claim criteria. Let us be your partner and help you to navigate the best solutions for you.
  • What is it?
  • It provides either a lump sum and/or a monthly amount to those that depend on you for an income when you are no longer alive.
  • Why would you need it?
  • Your family are dependent on you for their livelihood. Monthly expenses like school fees, transportation costs, food, and clothing.  When you are not here, that income stream stops, how will they survive and continue their standard of living.
  • What would occur if you did not have it?
  • Financial hardships could make your loved ones’ lives even more difficult, whilst they suffer losing you and figuring out life post your death.
  • What sort of solutions do you make available?
  • We source solutions to providing funding to your loved ones that meet your specific needs and requirements as well as that fit within your budget but ensuring we review options available to us in the market place.
What is it?
This helps you to have peace of mind over your assets. Should something happen, you will know you will get paid out to replace them or have them replaced by the insurance company you contract with.
Why would you need it?
For many, their homes and cars are their biggest assets. Would you manage financially if something happened to them, theft, fire or demolition?
What would occur if you did not have it?
The costs for repair or replacement could be significant, why take that risk yourself? Outsource that to companies who can afford it.
What sort of solutions do you make available? We aim to understand your needs and requirements to provide with products and solutions to match them. 
  • What is it?
  • Do you enjoy managing your taxes, booking and accounting? If not, we have specialists that can help.
  • Why would you need it?
  • Understanding the income tax act and what you can claim or deduct to reduce your taxable income is not an easy task. Let our skills experts help you to ensure you get the best advice.
  • What would occur if you did not have it?
  • Errors when completing your taxes and accounting could be detrimental to you, your family and your business partners as the financial consequences could be significant with penalties, extra taxes, and even financial ruin.
  • What sort of solutions do you make available?
  • A complimentary consultation with our tax and accounting experts can assess your needs, provide you solutions and work with you to ensure all that is required is met.
Play Video
Play Video
Play Video
Play Video

Contact us

We Do More Than Just Policies 

Your Family's Finances Deserves A Great Plan

We believe that putting the right policies in place is just part of a healthy financial plan. Developing your own set of skills with regards to personal finance and feeling more in control of your financial journey is of the utmost importance. 

We have partnered with www.terencetobin.co.za; a family-centered financial coach and planner who will be able to help you simplify your thinking and assist in implementing the strategies needed to build the kind of life for your family you are proud of.

Scroll to Top